CN108040083A - Control method, relevant device and the system of the direct-connected communication of bank - Google Patents
Control method, relevant device and the system of the direct-connected communication of bank Download PDFInfo
- Publication number
- CN108040083A CN108040083A CN201711118769.3A CN201711118769A CN108040083A CN 108040083 A CN108040083 A CN 108040083A CN 201711118769 A CN201711118769 A CN 201711118769A CN 108040083 A CN108040083 A CN 108040083A
- Authority
- CN
- China
- Prior art keywords
- trading
- instruction
- transaction
- mentioned
- trading instruction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/60—Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources
- H04L67/63—Routing a service request depending on the request content or context
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The embodiment of the invention discloses a kind of control method of the direct-connected communication of bank, relevant device and system, wherein method includes：The first trading instruction is received, first trading instruction is handled to obtain the second trading instruction, second trading instruction includes trading channel information；Second trading instruction is sent to online banking service device, the trading channel information performs operation for the online banking service device by corresponding trading channel.The embodiment of the present invention can determine trading channel according to trading instruction, carry out various trading processings easy to different enterprises and cooperative bank's subchannel, improve treatment effeciency, possess good versatility.
Description
Technical field
The present invention relates to field of communication technology, more particularly to a kind of control method of the direct-connected communication of bank, relevant device and
System.
Background technology
With the transformation and management development of management philosophy, a large amount of conglomerate clients propose capital centralization pipe one after another
Reason, the financial management demand for improving efficiency in the use of funds, reducing operating cost.In order to meet enterprise's high-end customer to Web bank
The individual demand of proposition, is pushed further into Internet-based banking services and develops in depth, and the direct-connected pattern of bank of Web bank occurs,
This new Internet-based banking services pattern is organic interconnection by business finance software and bank system of web, and it is double to integrate bank
The system resource of side, so as to bring the online banking service of the simple real time individual of enterprise security.
Direct-connected bank is financial system and the combined bank service system for being made by way of internet or private line access enterprise
System realizes docking, and enterprise is without special logging in online banks, it is possible to is independently completed using itself financial system to its bank's account
Family includes the inquiry of point (son) company bank account, transfers accounts, the function such as fund collects, information is downloaded, and in financial system oneself
Dynamic registration account information, eliminates the process that conventional financial system, internet banking system instruct typing twice.During existing transaction system
Effect property is relatively low and very high with the coupling of trading channel, it is impossible to which flexible adaptation corporate business changes in demand, cuts if desired
Trading channel is changed, the source code change amount being related to is very big, while needs to implement largely test verification after changing, it is necessary to expend big
The exploitation of amount and testing cost, can not quickly access different with many limitations, such transaction system when in use
Bank or enterprise, it is not high to the treatment effeciency of business, do not possess good versatility.
The content of the invention
The embodiment of the present invention provides a kind of control method, relevant device and the system of the direct-connected communication of bank, wherein, pass through silver
The control method of direct-connected communication is looked forward to, processing operation can be traded with subchannel, various friendships are flexibly carried out easy to bank and enterprise
It is disposable, possess good versatility.
In a first aspect, an embodiment of the present invention provides a kind of control method of the direct-connected communication of bank, this method includes：
The first trading instruction is received, is handled to obtain the second trading instruction to first trading instruction, described second
Trading instruction includes trading channel information；
Second trading instruction is sent to online banking service device, the trading channel information is used for the Web bank
Server performs operation by corresponding trading channel.
Second aspect, an embodiment of the present invention provides a kind of control method of the direct-connected communication of bank, this method includes：
Trading channel information is obtained according to the second trading instruction of reception；
Operation is performed by the trading channel determined in the trading channel information.
The third aspect, an embodiment of the present invention provides a kind of terminal device, including：
Receiving module, for receiving the first trading instruction；
Processing module, for being handled first trading instruction to obtain the second trading instruction, second transaction
Instruction includes trading channel information；
Sending module, for sending second trading instruction to online banking service device, the trading channel information is used
Operation is performed by corresponding trading channel in the online banking service device.
Fourth aspect, an embodiment of the present invention provides a kind of online banking service device, including：
Receiving module, for obtaining trading channel information according to the second trading instruction of reception；
Execution module, operation is performed for the trading channel by being determined in the trading channel information.
5th aspect, an embodiment of the present invention provides a kind of bank's direct communication system, which includes：
It is deployed in Finance System interface adapter, the terminal device for being deployed in enterprises and the portion of enterprises
The online banking service device inside bank is affixed one's name to, wherein,
The Finance System interface adapter, for generating silver according to the operational order on the Finance System
First trading instruction of row specified format simultaneously sends first trading instruction to the terminal device；
The terminal device, for receiving first trading instruction, is handled to obtain to first trading instruction
Second trading instruction, second trading instruction include trading channel information, and for sending institute to online banking service device
The second trading instruction is stated, the trading channel information performs behaviour for the online banking service device by corresponding trading channel
Make；
The online banking service device, for obtaining trading channel information, Yi Jiyong according to the second trading instruction of reception
The trading channel determined in by the trading channel information performs operation.
The embodiment of the present invention provides a kind of bank direct-connected communication control method, relevant device and system, by receiving the
One trading instruction, obtains the second trading instruction and sends to online banking service after handling first trading instruction
Device, second trading instruction include trading channel information, and the trading channel information is led to for the online banking service device
Cross corresponding trading channel and perform operation, processing operation can be traded with subchannel, compared with the general direct-connected mode of bank, no
Need to carry out substantial amounts of source code change and just can introduce new trading channel to be traded, be more convenient for bank and enterprise's subchannel progress
Various trading processings, improve treatment effeciency, possess good versatility.
Brief description of the drawings
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the present invention, general for this area
For logical technical staff, without creative efforts, other attached drawings can also be obtained according to these attached drawings.
Fig. 1 is a kind of schematic flow diagram of the control method of the direct-connected communication of bank provided in an embodiment of the present invention；
Fig. 2 is a kind of schematic block diagram of terminal device provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic block diagram of online banking service device provided in an embodiment of the present invention；
Fig. 4 is a kind of schematic block diagram of bank's direct communication system provided in an embodiment of the present invention；
Fig. 5 is the schematic block diagram of another terminal device provided in an embodiment of the present invention.
Embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is part of the embodiment of the present invention, instead of all the embodiments.Herein
" embodiment " is referred to it is meant that a particular feature, structure, or characteristic described may be embodied in the present invention at least in conjunction with the embodiments
In one embodiment.The phrase, which occurs, in each position in the description might not each mean identical embodiment, nor
With the independent or alternative embodiment of other embodiments mutual exclusion.Those skilled in the art explicitly and implicitly understand,
Embodiment described herein can be combined with other embodiments.
Based on the embodiments of the present invention, those of ordinary skill in the art are obtained without making creative work
The every other embodiment obtained, belongs to the scope of protection of the invention.
Term " first ", " second " in description and claims of this specification and above-mentioned attached drawing etc. are to be used to distinguish
Different objects, rather than for describing particular order.In addition, term " comprising " and " having " and their any deformations, it is intended that
It is to cover non-exclusive include.Such as process, method, system, product or the equipment for containing series of steps or unit do not have
The step of having listed or unit are defined in, but alternatively further includes the step of not listing or unit, or is alternatively also wrapped
Include for other intrinsic steps of these processes, method, product or equipment or unit.
It is also understood that the term used in this description of the invention is merely for the sake of the mesh for describing specific embodiment
And be not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combinations and all possible combinations of one or more of the associated item listed, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determining " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
In the specific implementation, the terminal device described in the embodiment of the present invention is including but not limited to such as with the sensitive table of touch
Mobile phone, laptop computer or the tablet PC in face (for example, touch-screen display and/or touch pad) etc it is other
Portable set.It is to be further understood that in certain embodiments, the equipment is not portable communication device, but is had
The desktop computer of touch sensitive surface (for example, touch-screen display and/or touch pad).
In discussion below, the terminal device including display and touch sensitive surface is described.However, it should manage
Solution, one or more of the other physical User that terminal device can include such as physical keyboard, mouse and/or control-rod connect
Jaws equipment.
Terminal device supports various application programs, such as one or more of following：Drawing application program, demonstration application
Program, word-processing application, website establishment application program, disk imprinting application program, spreadsheet applications, game are answered
With program, telephony application, videoconference application, email application, instant messaging applications, forging
Refining supports application program, photo management application program, digital camera application program, digital camera application program, web-browsing should
With program, digital music player application and/or video frequency player application program.
The various application programs that can be performed on the terminal device can use at least one of such as touch sensitive surface
Public physical user-interface device.It can be adjusted among applications and/or in corresponding application programs and/or change touch is quick
Feel the corresponding information shown in the one or more functions and terminal device on surface.In this way, the public physics frame of terminal device
Structure (for example, touch sensitive surface) can be supported to apply journey with the various of user interface directly perceived and transparent for a user
Sequence.
The enterprise mentioned in the embodiment of the present invention, refer to the unit by bank's direct communication system handling bank business,
Company etc., can also replace with the control method or straight by bank using the direct-connected communication of bank in being described of this paper
The even individual of communication system handling bank business.
The Web bank mentioned in the embodiment of the present invention is also known as the Internet bank, Internet bank or e-bank, it is each silver
The virtual sales counter set up in internet of row, bank utilize network technology, are opened an account, cancellation, looked into client's offer by internet
Inquiry, reconciliation, transfer accounts in row, the traditional services item such as inter-bank is transferred accounts, credit, Internet securities, Investment ＆ Financing, client is stayed indoors just
It can safely, conveniently manage current and fixed deposit, check, credit card and personal investment etc..
It is a kind of schematic flow diagram of the control method of the direct-connected communication of bank provided in an embodiment of the present invention, such as referring to Fig. 1
This method may include shown in Fig. 1：
101st, terminal device receives the first trading instruction.
Wherein, above-mentioned terminal device can receive the first trading instruction, and above-mentioned first trading instruction can be business finance
The instruction that system is sent, if enterprise need to carry out fund allocation and transfer and foreign payment can first pass through in it Finance System
Processing, i.e., after internal financial capital management flow, above-mentioned Finance System can be sent to the terminal device
The first trading instruction is stated, to realize the corresponding transactional operation of above-mentioned first trading instruction.
The terminal device mentioned in the embodiment of the present invention, it can be understood as be mounted with that the terminal of bank's direct connection client is set
Standby, which can perform the control of the direct-connected communication of bank in the embodiment of the present invention by above-mentioned bank's direct connection client
Method, in an alternative embodiment, the terminal device can directly replace with above-mentioned bank's direct connection client.
In one embodiment, above-mentioned first trading instruction can be Finance System interface adapter according to above-mentioned
The instruction of bank's specified format of operational order generation on Finance System.
In the embodiment of the present invention, the interface in Finance System interface adapter, it is outer oneself being supplied to refer to entity
A kind of abstract compound (can be another entity) on boundary, can be interior to isolate external communication method by inside operation
The mode that portion's modification is interacted without influencing other extraneous entities.In one embodiment of the invention, above-mentioned enterprise's wealth
Business adapter interface system can be a module in independent software or the Finance System.In the present invention
Another embodiment in, above-mentioned Finance System interface adapter can be independently of above-mentioned Finance System dress
Put or hardware module.
Wherein, aforesaid operations instruction can be the instruction that Finance System operator operates triggering, and aforesaid operations instruct
It can include fund class to instruct, above-mentioned fund class instruction can be with the instruction of reference and fund transfer etc.；Aforesaid operations instruction may be used also
Inquiry into balance, handling result inquiry, account information inquiry etc. are performed so that including inquiry class instruction, above-mentioned inquiry class instruction can refer to
It is not related to the instruction of fund transfer.
Above-mentioned Finance System interface adapter can generate silver according to the operational order on above-mentioned Finance System
The instruction of row specified format, i.e., the instruction that corresponding online banking service device can be identified and performed, terminal device can receive
Above-mentioned first trading instruction., can be by the instruction morphing for silver of enterprises by above-mentioned Finance System interface adapter
Above-mentioned first trading instruction of row specified format, is convenient for communicating.
102nd, the terminal device handles above-mentioned first trading instruction to obtain the second trading instruction, above-mentioned second transaction
Instruction includes trading channel information.
Specifically, which can handle above-mentioned first trading instruction to obtain the second trading instruction, optional
, which can verify whether first trading instruction is above-mentioned bank's specified format, if so, the terminal device can be with
This trading channel merchandised is determined according to above-mentioned first trading instruction, above-mentioned second trading instruction is believed comprising above-mentioned trading channel
Breath, above-mentioned trading channel information perform operation for online banking service device by corresponding trading channel；If it is not, the terminal is set
It is standby to perform the step of being handled to obtain the second trading instruction to above-mentioned first trading instruction.
Wherein, above-mentioned first trading instruction can include exchange hour, which can detect above-mentioned transaction
In the case of time is workaday, it is working day trading channel to determine the trading channel in above-mentioned trading channel information.Optionally,
In the case that the terminal device can be nonworkdays detecting above-mentioned exchange hour, determine in above-mentioned trading channel information
Trading channel is nonworkdays trading channel.Specifically, nonworkdays trading channel can be set to access above-mentioned terminal device
Bank's Internetbank interconnecting interface, so as to increase above-mentioned nonworkdays trading channel, then the terminal device can detect above-mentioned friendship
In the case that the easy time is nonworkdays, determine that the trading channel in above-mentioned trading channel information is logical for the transaction of above-mentioned nonworkdays
Road.
In general, the trading channel of bank can only be traded business at regular working day (such as the week),
Do not support that nonworkdays is traded and (makes loans), can be effective by increasing nonworkdays (Saturday and/or Sunday) trading channel
Solve nonworkdays bank's transactions demand, really realize 7 days * 24 it is small when uninterruptedly make loans, improve the timeliness of trading processing.
Optionally, above-mentioned first trading instruction can include number of transaction and transaction amount, which can basis
Above-mentioned number of transaction and above-mentioned transaction amount determine transaction batch information, and above-mentioned second trading instruction can also include above-mentioned transaction
Batch information, above-mentioned transaction batch information are used for above-mentioned online banking service device and perform operation according to corresponding transaction batch.
Specifically, which determines above-mentioned transaction batch information bag according to above-mentioned number of transaction and above-mentioned transaction amount
Include：
(11) terminal device is in the case where detecting that above-mentioned number of transaction is more than transformation threshold value, according to above-mentioned friendship
Easy quantity and above-mentioned transformation threshold value determine above-mentioned transaction batch information；And/or
(12) terminal device is in the case where detecting that above-mentioned transaction amount is more than amount of money upper limit threshold, according to above-mentioned friendship
The easy amount of money and above-mentioned amount of money upper limit threshold determine above-mentioned transaction batch information.
Above-mentioned transformation threshold value can be understood as the number of transaction upper limit of above-mentioned online banking service device single batch processing,
Step (11) is specifically as follows：Can be with stored number upper limit threshold, or from above-mentioned online banking service device in the terminal device
Above-mentioned transformation threshold value is obtained, detects that above-mentioned number of transaction is more than the situation of the transformation threshold value in the terminal device
Under, which can be handled this transaction in batches according to above-mentioned number of transaction and above-mentioned transformation threshold value,
For example, should if the terminal device detects that above-mentioned number of transaction (such as 25) is more than the transformation threshold value (such as 20)
Above-mentioned number of transaction can be split (such as 20 and 5) by terminal device according to the transformation threshold value, be made every after fractionation
One batch number of transaction is no more than above-mentioned transformation threshold value, that is, is determined that transaction batch (2 batch) and each batch are handed over
Easy quantity (20 and 5).
Optionally, above-mentioned first trading instruction can also include trading object, which can be according to above-mentioned transaction
Time and above-mentioned trading object and the correspondence of above-mentioned trading channel, determine above-mentioned trading channel information.
Specifically, above-mentioned trading object can be understood as the title of the company and enterprise being traded with the enterprise or individual
(such as title of certain banking institution), it is understood that be the bank account of above-mentioned object, recorded in above-mentioned first trading instruction
The information of trading object, the correspondence of exchange hour and trading object and trading channel can be stored with the terminal device
(such as forming record exchange hour and trading object configurable file or database table with corresponding trading channel), Ke Yitong
The trading channel that above-mentioned correspondence determines this transaction is crossed, and this above-mentioned transaction is recorded in above-mentioned trading channel information
Trading channel.
Optionally, which can be by default passage matched rule, according to the switching time of agreement, transaction pair
As and/or the switching condition such as mechanism of receiving bank supported implement trading channel and intelligently switch, which can arrange
Switching time switch to corresponding trading channel, that is, the trading channel of this transaction is determined, alternatively, the terminal device can root
The mechanism of receiving bank supported according to the trading object in the first trading instruction and the transaction of this class, inquires about corresponding trading channel, and
Determine the trading channel that this passage is this transaction, write trading channel information, and then send and include to online banking service device
Second trading instruction of above-mentioned trading channel information.For example, switching time of trading channel A can be set for 0 point on every Fridays and
24 points, the corresponding trading object of trading channel is enterprise B account, if receive trading object for enterprise B account, exchange hour is in week
Corresponding second trading instruction of business between 50 points and 24 points, the terminal device determine to be traded the trading channel of processing
For trading channel A.Switching time of above-mentioned agreement, trading object and above-mentioned support
The information such as mechanism of receiving bank can form configurable file or database table, can be in order to according to business demand
Change and update adjustment.
103rd, the terminal device sends above-mentioned second trading instruction to online banking service device.
Wherein, above-mentioned online banking service device can receive above-mentioned second trading instruction of terminal device transmission, above-mentioned
Second trading instruction can include above-mentioned trading channel information, and above-mentioned online banking service device can be believed according to above-mentioned trading channel
Breath performs operation by corresponding trading channel.
104th, the online banking service device obtains trading channel information according to according to the second trading instruction of reception, passes through institute
State the trading channel determined in trading channel information and perform operation.
Wherein, the trading channel of this transaction is have recorded in above-mentioned trading channel information, which can be with
Above-mentioned second trading instruction of terminal device transmission is received, further, which can be according to above-mentioned the
Above-mentioned trading channel information in two trading instructions knows the trading channel of this transaction, optionally, the online banking service device
The transaction batch of this transaction can be known according to the transaction batch information in above-mentioned second trading instruction.Further, the net
The server that goes to bank can perform operation by the trading channel according to above-mentioned second trading instruction, you can with according to above-mentioned second
Trading instruction obtains the relevant information of trading object, exchange hour, transaction amount and/or batch of merchandising, and leads to according to above-mentioned condition
Cross the trading channel that above-mentioned terminal device determines and be traded processing.
Optionally, after step 104, this method further includes：105th, the online banking service device corresponds to aforesaid operations
Handling result to the terminal device feed back.The corresponding handling result of aforesaid operations can be passed through this by the online banking service device
Terminal device feeds back to the Finance System interface adapter, i.e., the Finance System interface adapter can be from the terminal
Equipment obtains the handling result of the online banking service device.
It is a kind of structure diagram of terminal device provided in an embodiment of the present invention referring to Fig. 2, the terminal as shown in Figure 2
Equipment may include：Receiving module, processing module and sending module.
Receiving module 210, for receiving the first trading instruction.
Specifically, wherein, receiving module 210 can receive the first trading instruction, and above-mentioned first trading instruction can be enterprise
The instruction that industry financial system is sent, if enterprise need to carry out fund allocation and transfer and foreign payment can first pass through in it enterprise's wealth
The processing of business system, i.e., after internal financial capital management flow, above-mentioned Finance System can be to the terminal device
Above-mentioned first trading instruction is sent, to realize the corresponding transactional operation of above-mentioned first trading instruction.
Optionally, above-mentioned first trading instruction can be Finance System interface adapter according to above-mentioned business finance system
The instruction of bank's specified format of operational order generation on system.Wherein, aforesaid operations instruction can be that Finance System is grasped
Work person operates the instruction of triggering, and aforesaid operations instruction can include fund class and instruct, and above-mentioned fund class instruction can be with reference and money
The instruction of gold transfer etc.；Aforesaid operations instruction can also include inquiry class instruction, and above-mentioned inquiry class instruction can refer to execution remaining sum
Inquiry, handling result inquiry, account information inquiry etc. are not related to the instruction of fund transfer.
Above-mentioned Finance System interface adapter can generate silver according to the operational order on above-mentioned Finance System
The instruction of row specified format, i.e., the instruction that corresponding online banking service device can be identified and performed, receiving module 210 can connect
Receive above-mentioned first trading instruction.By above-mentioned Finance System interface adapter, can be by the instruction morphing of enterprises
Above-mentioned first trading instruction of bank's specified format, is convenient for communicating.
Processing module 220, for being handled to obtain the second trading instruction to above-mentioned first trading instruction.
Above-mentioned second trading instruction includes trading channel information, and specifically, processing module 220 can merchandise to above-mentioned first
Instruction is handled to obtain the second trading instruction, and above-mentioned trading channel information passes through corresponding transaction for online banking service device
Passage performs operation.
Wherein, above-mentioned first trading instruction can include exchange hour, and processing module 220 can detect above-mentioned transaction
In the case of time is workaday, it is working day trading channel to determine the trading channel in above-mentioned trading channel information.Optionally,
In the case that processing module 220 can be nonworkdays detecting above-mentioned exchange hour, determine in above-mentioned trading channel information
Trading channel be nonworkdays trading channel.Specifically, nonworkdays trading channel can be developed and access above-mentioned terminal device
Bank's Internetbank interconnecting interface, so as to increase above-mentioned nonworkdays trading channel, then processing module 220 can detect it is above-mentioned
In the case that exchange hour is nonworkdays, determine that the trading channel in above-mentioned trading channel information is merchandised for above-mentioned nonworkdays
Passage.
In general, the trading channel of bank can only be traded business at regular working day (such as the week),
Do not support that nonworkdays is traded and (makes loans), can be effective by developing nonworkdays (Saturday and/or Sunday) trading channel
Solve nonworkdays bank's transactions demand, really realize 7 days * 24 it is small when uninterruptedly make loans, improve the timeliness of trading processing.
Optionally, above-mentioned first trading instruction can include number of transaction and transaction amount, and processing module 220 can basis
Above-mentioned number of transaction and above-mentioned transaction amount determine transaction batch information, and above-mentioned second trading instruction can also include above-mentioned transaction
Batch information.
Specifically, processing module 220 determines above-mentioned transaction batch information according to above-mentioned number of transaction and above-mentioned transaction amount
Including：
(11) processing module 220 is in the case where detecting that above-mentioned number of transaction is more than transformation threshold value, according to above-mentioned
Number of transaction and above-mentioned transformation threshold value determine above-mentioned transaction batch information；And/or
(12) processing module 220 is in the case where detecting that above-mentioned transaction amount is more than amount of money upper limit threshold, according to above-mentioned
Transaction amount and above-mentioned amount of money upper limit threshold determine above-mentioned transaction batch information.
Above-mentioned transformation threshold value can be understood as the number of transaction upper limit of above-mentioned online banking service device single batch processing,
Step (11) is specifically as follows：Can be with stored number upper limit threshold, or from above-mentioned online banking service device in the terminal device
Above-mentioned transformation threshold value is obtained, detects that above-mentioned number of transaction is more than the situation of the transformation threshold value in processing module 220
Under, this transaction can be handled in batches according to above-mentioned number of transaction and above-mentioned transformation threshold value, for example, if
Processing module 220 detects that above-mentioned number of transaction (such as 25) is more than the transformation threshold value (such as 20), and processing module 220 can
Above-mentioned number of transaction is split (such as 20 and 5) according to the transformation threshold value, each batch after fractionation is set to merchandise
Quantity is no more than above-mentioned transformation threshold value, that is, transaction batch (2 batch) and each batch number of transaction (20 Hes are determined
5)。
By according to above-mentioned transaction batch information, performing transactional operation according to for the transaction batch answered, can both ensure
Batch operation, and the number of transaction of bank's formulation and the rule of transaction amount are not violated, if due to Corporate Finance business or silver
Enterprise's demand is needed to the number of transaction upper limit and the amount of money upper limit (i.e. above-mentioned transformation threshold value and above-mentioned amount of money upper limit threshold) progress
Adjustment, being adjusted with fast and flexible by the terminal device.
Optionally, above-mentioned first trading instruction can also include trading object, and processing module 220 can be according to above-mentioned transaction
Time and above-mentioned trading object and the correspondence of above-mentioned trading channel, determine above-mentioned trading channel information.
Specifically, above-mentioned trading object can be understood as the title of the company and enterprise being traded with the enterprise or individual
(such as title of certain banking institution), it is understood that be the bank account of above-mentioned object, recorded in above-mentioned first trading instruction
The information of trading object, the correspondence of exchange hour and trading object and trading channel can be stored with the terminal device
(such as forming record exchange hour and trading object configurable file or database table with corresponding trading channel), Ke Yitong
The trading channel that above-mentioned correspondence determines this transaction is crossed, and this above-mentioned transaction is recorded in above-mentioned trading channel information
Trading channel.
Sending module 230, for sending above-mentioned second trading instruction to online banking service device.
Wherein, above-mentioned second trading instruction includes above-mentioned trading channel information, and above-mentioned online banking service device can receive
Above-mentioned second trading instruction that sending module 230 is sent, and trading channel can be obtained according to the second trading instruction of reception
Information, operation is performed by the trading channel determined in the trading channel information.
It will be appreciated by those skilled in the art that the present invention is not limited to this, which can also include realizing other
The module of function, such as：The module for the digital certificate issued for obtaining bank or Third Party Authentication mechanism；For needing to carry out
The transaction of authentication, for carrying out the module of authentication according to above-mentioned digital certificate or instruction；Sign for needs
Transaction, for increasing the module of signature result and certificate information according to client's message.
The terminal device can receive can be traded processing operation with subchannel, compared with the general direct-connected mode of bank,
Need not carrying out the change of substantial amounts of source code, just can introduce new trading channel is traded processing, is more convenient for bank and enterprise divides and leads to
Road carries out various trading processings, improves treatment effeciency, possesses good versatility.
It is a kind of structure diagram of online banking service device provided in an embodiment of the present invention, as shown in Figure 3 referring to Fig. 3
The online banking service device may include：Receiving module 310 and execution module 320.
Receiving module 310, for obtaining trading channel information according to the second trading instruction of reception.
Execution module 320, operation is performed for the trading channel by being determined in the trading channel information.
Wherein, the trading channel of this transaction is have recorded in above-mentioned trading channel information, execution module 320 can be according to upper
The above-mentioned trading channel information and/or transaction batch information in the second trading instruction are stated, behaviour is performed by corresponding trading channel
Make.
Optionally, online banking service device further includes feedback module 330, for the corresponding handling result of aforesaid operations to be led to
Cross terminal device to feed back to the Finance System interface adapter, which can be from the terminal
Equipment obtains the handling result of the online banking service device.
Execution module 320 can perform operation by the trading channel according to above-mentioned second trading instruction, you can with basis
Above-mentioned second trading instruction obtains the relevant informations such as trading object, exchange hour, transaction amount and/or transaction batch, and presses
Processing is traded by definite trading channel according to above-mentioned condition.
Above-mentioned online banking service device can receive the trading instruction of enterprise, and subchannel is traded processing, improves place
Efficiency is managed, possesses good versatility.
It is a kind of structure diagram of bank's direct communication system provided in an embodiment of the present invention, such as Fig. 4 institutes referring to Fig. 4
Show that the communication system may include：It is deployed in the Finance System interface adapter 410 of enterprises, is deployed in enterprises
Terminal device 420 and the online banking service device 430 being deployed in inside bank, wherein,
Finance System interface adapter 410, for generating the trading instruction of bank's specified format according to operational order
And send to terminal device；
Terminal device 420, is handled for docking received above-mentioned trading instruction, and the trading instruction after processing is turned
Online banking service device is sent to, treated trading instruction includes trading channel information, and above-mentioned trading channel information is used for
Online banking service device 430 performs operation by corresponding trading channel；
Online banking service device 430, for obtaining trading channel information according to the second trading instruction of reception, and is used for
Operation is performed by the trading channel determined in above-mentioned trading channel information.
Terminal device 420 can be communicated with online banking service device 430 by network connection, the network used can be because
Special net, is called and does Internet, is the global network being formed by connecting by those computers communicated using common statement.
Interface in Finance System interface adapter 410, refer to entity oneself be supplied to the external world one kind be abstracted
Compound (can be another entity), can be by internal modification without shadow to isolate external communication method by inside operation
Ring the mode that other entities of the external world interact.
In one embodiment of the invention, above-mentioned Finance System interface adapter can be independent software,
The system can also include Finance System 400, and above-mentioned Finance System interface adapter can also be the business finance
A module in system 400.
In another embodiment of the invention, above-mentioned Finance System interface adapter can be independently of above-mentioned
The device or hardware module of Finance System.Above-mentioned Finance System and above-mentioned terminal device can by LAN,
Intranet or Virtual Private Network establish connection.
Wherein, aforesaid operations instruction can be the instruction that Finance System operator operates triggering, and aforesaid operations instruct
It can include fund class to instruct, above-mentioned fund class instruction can be with the instruction of reference and fund transfer etc.；Aforesaid operations instruction may be used also
Only left inquiry into balance, handling result inquiry, account information inquiry etc. can be referred to including inquiry class instruction, above-mentioned inquiry class instruction
It is not related to the instruction of fund transfer.
The specific descriptions of above-mentioned terminal device 420 and online banking service device 430 can be respectively referring to figs. 2 and 3 institute
Show the description of embodiment, details are not described herein again.
A kind of computer-readable recording medium, above computer readable storage medium are provided in another embodiment of the invention
Matter is stored with computer program, and above computer program includes programmed instruction, realized when being executed by processor shown in above-mentioned Fig. 1
The control method embodiment of the direct-connected communication of bank.
The computer-readable recording medium can be the controlling party of the direct-connected communication of bank described in foregoing any embodiment
The relevant device of method or the internal storage unit of system, such as the hard disk or memory of terminal device.The computer-readable storage
Medium can also be the External memory equipment of terminal device, such as the plug-in type hard disk being equipped with terminal device, intelligent memory card
(Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Into
One step, the computer-readable recording medium can also both include the internal storage unit of terminal device or including external storage
Equipment.The computer-readable recording medium is used to store the computer program and other journeys needed for the terminal device
Sequence and data.The computer-readable recording medium can be also used for temporarily storing the number that has exported or will export
According to.
Those of ordinary skill in the art may realize that each exemplary list described with reference to the embodiments described herein
Member and algorithm steps, can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are performed with hardware or software mode actually, application-specific and design constraint depending on technical solution.Specially
Industry technical staff can realize described function to each specific application using distinct methods, but this realization is not
It is considered as beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience of description and succinctly, the end of foregoing description
The specific work process of end equipment and unit, may be referred to the corresponding process in preceding method embodiment, details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system and method, can pass through it
Its mode is realized.For example, device embodiment described above is only schematical, for example, the division of the module, only
Only a kind of division of logic function, can there is other dividing mode when actually realizing, such as multiple module or components can be tied
Another system is closed or is desirably integrated into, or some features can be ignored, or do not perform.In addition, shown or discussed phase
Coupling, direct-coupling or communication connection between mutually can be INDIRECT COUPLING or the communication by some interfaces, device or unit
Connection or electricity, the connection of mechanical or other forms.
The unit (module) illustrated as separating component may or may not be it is physically separate, as
The component that unit is shown may or may not be physical location, you can with positioned at a place, or can also be distributed
Onto multiple network unit.Some or all of unit therein can be selected to realize implementation of the present invention according to the actual needs
The purpose of example scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
It is that unit is individually physically present or two or more units integrate in a unit.It is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or use
When, it can be stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially
The part to contribute in other words to the prior art, or all or part of the technical solution can be in the form of software product
Embody, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server, or network equipment etc.) performs the complete of each embodiment the method for the present invention
Portion or part steps.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (Read-Only Memory,
ROM), random access memory (Random Access Memory, RAM), magnetic disc or CD etc. are various can be with storage program
The medium of code.
The above description is merely a specific embodiment, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in or replaced
Change, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection domain subject to.
Claims (10)
- A kind of 1. control method of the direct-connected communication of bank, it is characterised in that including：The first trading instruction is received, first trading instruction is handled to obtain the second trading instruction, second transaction Instruction includes trading channel information；Second trading instruction is sent to online banking service device, the trading channel information is used for the online banking service Device performs operation by corresponding trading channel.
- 2. according to the method described in claim 1, it is characterized in that, first trading instruction is fitted for Finance System interface The instruction for bank's specified format that orchestration is generated according to the operational order on Finance System.
- It is 3. described right according to the method described in claim 2, it is characterized in that, first trading instruction includes exchange hour First trading instruction is handled to obtain the second trading instruction, and second trading instruction includes trading channel packet Include：In the case of detecting that the exchange hour is workaday, it is work to determine the trading channel in the trading channel information Make Day Trading passage；In the case where detecting that the exchange hour is nonworkdays, determine that the trading channel in the trading channel information is Nonworkdays trading channel.
- 4. according to the method described in claim 3, it is characterized in that, first trading instruction includes number of transaction and trade gold Volume, described that first trading instruction is handled to obtain the second trading instruction, it is logical that second trading instruction includes transaction Road information includes：Transaction batch information is determined according to the number of transaction and the transaction amount, second trading instruction is also comprising described Transaction batch information.
- It is 5. according to the method described in claim 4, it is characterized in that, described true according to the number of transaction and the transaction amount Surely transaction batch information includes：In the case where detecting that the number of transaction is more than transformation threshold value, according on the number of transaction and the quantity Limit threshold value determines the transaction batch information；And/orIn the case where detecting that the transaction amount is more than amount of money upper limit threshold, according on the transaction amount and the amount of money Limit threshold value determines the transaction batch information.
- 6. according to claim 3-5 any one of them methods, it is characterised in that first trading instruction is also comprising transaction pair As described that first trading instruction is handled to obtain the second trading instruction, it is logical that second trading instruction includes transaction Road information includes：Determine that the trading channel is believed according to the correspondence of the exchange hour and the trading object and the trading channel Breath.
- A kind of 7. control method of the direct-connected communication of bank, it is characterised in that including：Trading channel information is obtained according to the second trading instruction of reception；Operation is performed by the trading channel determined in the trading channel information.
- A kind of 8. terminal device, it is characterised in that including：Receiving module, for receiving the first trading instruction；Processing module, for being handled first trading instruction to obtain the second trading instruction, second trading instruction Include trading channel information；Sending module, for sending second trading instruction to online banking service device, the trading channel information is used for institute State online banking service device and operation is performed by corresponding trading channel.
- A kind of 9. online banking service device, it is characterised in that including：Receiving module, for obtaining trading channel information according to the second trading instruction of reception；Execution module, operation is performed for the trading channel by being determined in the trading channel information.
- A kind of 10. bank's direct communication system, it is characterised in that the system comprises：It is deployed in the business finance of enterprises Adapter interface system, the terminal device for being deployed in enterprises and the online banking service device being deployed in inside bank, its In,The Finance System interface adapter, for being referred to according to the operational order generation bank on the Finance System First trading instruction of the formula that fixes simultaneously sends first trading instruction to the terminal device；The terminal device, for receiving first trading instruction, is handled to obtain second to first trading instruction Trading instruction, second trading instruction include trading channel information, and for sending described the to online banking service device Two trading instructions, the trading channel information perform operation for the online banking service device by corresponding trading channel；The online banking service device, for obtaining trading channel information according to the second trading instruction of reception, and for leading to Cross the trading channel determined in the trading channel information and perform operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711118769.3A CN108040083A (en) | 2017-11-13 | 2017-11-13 | Control method, relevant device and the system of the direct-connected communication of bank |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711118769.3A CN108040083A (en) | 2017-11-13 | 2017-11-13 | Control method, relevant device and the system of the direct-connected communication of bank |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108040083A true CN108040083A (en) | 2018-05-15 |
Family
ID=62092419
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711118769.3A Withdrawn CN108040083A (en) | 2017-11-13 | 2017-11-13 | Control method, relevant device and the system of the direct-connected communication of bank |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108040083A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020006896A1 (en) * | 2018-07-02 | 2020-01-09 | 平安科技（深圳）有限公司 | Balance monitoring method, apparatus, computer device, and storage medium |
| CN113362149A (en) * | 2021-05-27 | 2021-09-07 | 厦门国际银行股份有限公司 | Enterprise fund management system and method |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1625888A (en) * | 2002-04-28 | 2005-06-08 | 倍酷国际有限公司 | System and method for starting financial transaction service provided by remote communication operation mechanism |
| CN102411757A (en) * | 2011-08-05 | 2012-04-11 | 中国工商银行股份有限公司 | Method and system for forecasting capacity of large host central processing unit (CPU) |
| CN102439640A (en) * | 2009-06-16 | 2012-05-02 | Sc控股私人有限公司 | Transaction system and method |
| CN103078911A (en) * | 2012-12-27 | 2013-05-01 | 中国建设银行股份有限公司 | Communication system for directly connecting bank and enterprise and communication method of communication system |
| CN104657898A (en) * | 2013-11-22 | 2015-05-27 | 中国银联股份有限公司 | Method and device for processing transaction through internet transit system |
| CN105678620A (en) * | 2016-01-07 | 2016-06-15 | 深圳市金证科技股份有限公司 | Resource scheduling method and system for transaction system |
| CN106875167A (en) * | 2016-08-18 | 2017-06-20 | 阿里巴巴集团控股有限公司 | The detection method and device in funds transaction path in electronic payment process |
-
2017
- 2017-11-13 CN CN201711118769.3A patent/CN108040083A/en not_active Withdrawn
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1625888A (en) * | 2002-04-28 | 2005-06-08 | 倍酷国际有限公司 | System and method for starting financial transaction service provided by remote communication operation mechanism |
| CN102439640A (en) * | 2009-06-16 | 2012-05-02 | Sc控股私人有限公司 | Transaction system and method |
| CN102411757A (en) * | 2011-08-05 | 2012-04-11 | 中国工商银行股份有限公司 | Method and system for forecasting capacity of large host central processing unit (CPU) |
| CN103078911A (en) * | 2012-12-27 | 2013-05-01 | 中国建设银行股份有限公司 | Communication system for directly connecting bank and enterprise and communication method of communication system |
| CN104657898A (en) * | 2013-11-22 | 2015-05-27 | 中国银联股份有限公司 | Method and device for processing transaction through internet transit system |
| CN105678620A (en) * | 2016-01-07 | 2016-06-15 | 深圳市金证科技股份有限公司 | Resource scheduling method and system for transaction system |
| CN106875167A (en) * | 2016-08-18 | 2017-06-20 | 阿里巴巴集团控股有限公司 | The detection method and device in funds transaction path in electronic payment process |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020006896A1 (en) * | 2018-07-02 | 2020-01-09 | 平安科技（深圳）有限公司 | Balance monitoring method, apparatus, computer device, and storage medium |
| CN113362149A (en) * | 2021-05-27 | 2021-09-07 | 厦门国际银行股份有限公司 | Enterprise fund management system and method |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20180197155A1 (en) | Method and Apparatus for Processing Mobile Payment Using Blockchain Techniques | |
| CN106067124A (en) | A kind of Quick Response Code that scans pays and real time record total mark of consumption and the method for rebating | |
| CN107371146A (en) | A kind of method and terminal for selecting short message channel | |
| JP2014521138A (en) | System and method for providing banking services associated with multiple financial institutions through a shared store | |
| US20190066216A1 (en) | System for managing fees and payments on exchange traded products and associated method | |
| Jamaluddin | E-Banking: Challenges and opportunities in India | |
| CN110135984A (en) | Exchange management method, device, computer equipment and storage medium | |
| CN110443607A (en) | To creation method, method of commerce and the device of public digital cash wallet | |
| CN109767323A (en) | Capital chain generation method and device based on transaction journal | |
| CN107369018A (en) | The binding method and binding system of digital cash wallet | |
| JP2015207268A (en) | information management system | |
| US20040093307A2 (en) | [an emerging market banking system] | |
| CN108040083A (en) | Control method, relevant device and the system of the direct-connected communication of bank | |
| WO2005022289A2 (en) | Method and system of accounting transactions through concurrent processing of events in cyber space | |
| Mittal et al. | e-CRM in Indian banks | |
| Nohumba et al. | Integrating offline and online platforms for seamless banking experience | |
| Abd El Aziz et al. | Developing business process architecture using business process modeling: the atm system in HSBC Egypt | |
| JP2020140742A (en) | Account management system, account management method, and host computer | |
| MV | Technological Developments in Banks | |
| JP2003316956A (en) | Method and device for setting transfer fee, computer program, and program storage medium | |
| Vij et al. | Role of e-banking in current scenario | |
| JP7359919B1 (en) | Information processing device, information processing method, and program | |
| JP6718422B2 (en) | Deposit account management system, deposit account management method, internet banking server and host computer | |
| JP7430696B2 (en) | Deposit/withdrawal control system, deposit/withdrawal control method, and program | |
| CN108717622A (en) | Loaning bill refund treating method and apparatus |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| CB02 | Change of applicant information | ||
| CB02 | Change of applicant information |
Address after: 518000 Room 201, building A, No. 1, Qian Wan Road, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen, Guangdong (Shenzhen Qianhai business secretary Co., Ltd.) Applicant after: Maimaiti Mdt InfoTech Ltd, Shenzhen Address before: 518000 Room 201, building A, No. 1, Qian Wan Road, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen, Guangdong (Shenzhen Qianhai business secretary Co., Ltd.) Applicant before: Shenzhen Maimaiti Tesco Nationwide Financial Services Inc |
|
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information | ||
| CB02 | Change of applicant information |
Address after: 518000 Guangdong city of Shenzhen province Qianhai Shenzhen Hong Kong cooperation zone before Bay Road No. 1 building 201 room A (located in Shenzhen Qianhai business secretary Co. Ltd.) Applicant after: Shenzhen Rongyimai Information Technology Co., Ltd. Address before: 518000 Guangdong city of Shenzhen province Qianhai Shenzhen Hong Kong cooperation zone before Bay Road No. 1 building 201 room A (located in Shenzhen Qianhai business secretary Co. Ltd.) Applicant before: Maimaiti Mdt InfoTech Ltd, Shenzhen |
|
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20180515 |